Terms of Use

Use of the site

This site is provided for personal, non-commercial, educational use. You may use the calculators and read the guides freely. You may not scrape the site at volume, republish substantial portions of its content, frame it within another site, or use it to build a competing product or dataset without written permission.

No professional advice

Nothing on this site constitutes financial, investment, tax, accounting or legal advice, and nothing here creates an advisory relationship. The calculators are educational models, not recommendations.

Do not rely on these tools as the sole basis for a financial decision. Consult a qualified professional (a CPA, financial planner, attorney or lender) before making a commitment with significant consequences.

Accuracy

Considerable effort goes into the formulas and figures used here, but no warranty is made that any calculation is accurate, complete or current. Tax law, interest rates, lending rules and contribution limits change, and individual circumstances vary widely. Outputs are estimates.

Limitation of liability

To the fullest extent permitted by law, this site and its operators are not liable for any direct, indirect, incidental, consequential or punitive damages arising from your use of, or inability to use, the site or its calculators, including financial losses, missed savings, or decisions made on the basis of a result.

Intellectual property

The site's text, design, code and calculator logic are protected by copyright. The names of third-party products, tax forms and government programs mentioned on the site remain the property of their respective owners.

Third-party links and advertising

The site may link to external resources and displays advertising supplied by third parties. Those parties are responsible for their own content and practices, and their inclusion is not an endorsement. Advertising has no influence on the calculators' results or the guides' content.

Availability

The site is provided on an as-is basis with no guarantee of uninterrupted availability. Features may change, and calculators may be added or removed without notice.

Governing terms

If any provision of these terms is found unenforceable, the remaining provisions continue in effect. Continued use of the site after a change to these terms constitutes acceptance of the updated version.